Stock market scam was easily busted. The internal competition between scammers who buy/sell options/ hedging etc brought the stock market back to ground.

But the real estate scam is fought between lenders and mortgage borrowers. The borrowers are the suckers. They can never fight against the money sharks.

From now on, the lenders won't be concerned about amortization over 30 years. They will accept anyone who can just pay for two years. After that that property will be foreclosed and sold to another sucker who can pay for two years. This cycle will continue until all suckers ruin their credit profiles. At that point the lenders will lower the score required for mortgage and again suck in more losers who graduate from colleges.

Mathematically speaking

"The half-life period of fixed income derivatives would fall from 12 years to 2 years."